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Buying a New Car? Pick the Safest and Save on Car Insurance

Posted by on May 8, 2012 No comments


If you’re going to be purchasing a new car in the near future, you may want to think about how the car is going to affect your car insurance rates. Believe it or not, the car you choose will definitely affect how low or high your car insurance rates will be, but you can choose a safer car to ensure that you get low rate car insurance that is affordable. The following are some of the safest cars that you can buy and purchasing a safer vehicle will result in great savings on your car insurance.

Volkswagen Passat – In 2006, the number one rated family sedan for safety was the Volkswagen Passat GLX, which has a V6 engine. This car provided excellent safety features designed by Volkswagen and tested out to be the safest car in the family sedan category. If you want a nice family car that is fairly inexpensive and also very safe for your family, this is a great choice!

Toyota Camry – Still in the class of family sedans, the Toyota Camry came in second place in 2006, right behind the Volkswagen Passat. The Camry is a bit cheaper than the Passat, and also comes with great safety features that make it one of the best choices if you want a car that is safe for your family.

Volkswagen Golf – If you are looking for a smaller car, but you still want great safety, you may want to consider the Volkswagen Golf as your next choice. In smaller cars, the Golf won the number one spot for safety with the great safety features offered by the Volkswagen automaker.

Honda Civic EX – Another smaller car that was high on the safety list, scoring number two, is the Honda Civic EX. Once again, this car is a bit more cost friendly than the Volkswagen Golf, and it still comes with excellent safety features that will keep you safe and help you get lower car insurance rates. If you are purchasing a car on a budget but want to make sure it has great safety features as well, then this car is an excellent buy.

Honda CR-V – If you are looking for a small SUV with a great safety rating, you may want to consider purchasing the Honda CR-V. While usually you will pay more to insure a SUV, the Honda CR-V provides safety features and a great safety rating that will help you save.

Toyota Highlander – If you want a larger SUV but you want to make sure the vehicle is safe, the Toyota highlander is a great choice. The Highlander is one of the cheaper SUV’s available and comes with a great safety rating that will have you driving with confidence.

When you’re going to purchase a new car, you want to look at the cost of the car, but you also want to check out how much it will cost to insure your car as well. Picking a car that has a high safety rating and great safety features can save you a great deal of money on car insurance rates each year. Take control of your car insurance rates and purchase a vehicle that will keep you safe and help you find low rate car insurance.

For those who are interested in learning more about how you can save money and greatly reduce your car insurance rates, we offer a website (car-insurance-rates-info. com) with unbiased information on the best ways to get low rate car insurance, do company comparisons, get car insurance discounts, and keep you safe and saving money all year long.

Save money on your auto insurance: Money-saving car insurance tips

Posted by on April 15, 2012 No comments


Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money:

Shop around
Sure, you’ve read this tip everywhere but it’s true. Only by shopping around for auto insurance coverage and getting quotes on premiums from several insurance companies will you be able to know for certain you are getting your car insurance coverage at the best available rate.

When shopping for your auto insurance policy, remember to compare more than insurance rates. Ask about how insurance claims are approved and processed, and how quickly they’re paid. Look into each insurers’ financial stability (there are independent rating services that can help you with this. ) Remember, during times of stress like after an accident you will be dealing with the insurance company and you’ll want to make sure you’ll be helped when you need it most.

Select a higher insurance deductible
When you file a claim, a deductible is the amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant—you can save hundreds of dollars off your insurance premium.

Of course, the flipside is that if you should have to submit an insurance claim you are responsible for paying the deductible. So select the maximum deductible you can afford to pay—the higher the better because the difference in your car insurance premiums will mean more cash in your pocket.

Remove or reduce coverage on older vehicles
If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy. You need to think about this one though – it’s not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that’s worth about $1000, and your deductible was $1000, the coverage is not actually going to help you.

Ask about discounts
Most insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of. The following is a list of a few of the more common discounts (if available in your state, each insurer will have different eligibility requirements):

• Multi-vehicle discount – available if you insure multiple vehicles with the same insurer
• Multi-line discount – available if you insure your home and auto with the same insurer
• Good driver discount – if you have not had an accident or ticket in a long time
• Good student discount – if you’re a student with good grades, usually about a B average
• Safe driver discount – if you’ve taken and passed an accredited driver safety course
• Anti-theft discount – if your vehicle has certain anti-theft devices installed
• Safe vehicle discount – if your vehicle has certain extra safety features
• Retiree discount – if you’ve reached a certain age, usually 50 or 55
• Low mileage discount – if your vehicle is not driven often
• Occupational discount – if you work in a certain field or hold a certain degree
• Auto club discount – if you are a member of an auto club, like AAA
• Association discount – if you belong to certain associations, like your alma mater
• Away-at-school discount – if your child is attending school out of town

Choose a car that costs less to insure
If you’re purchasing a new car and have narrowed it down to two or three options, compare the auto insurance rates of each to see if there is a notable difference in the cost to insure. Remember, insurance rates are more for vehicles with high theft rates and repair costs. If there is a significant difference in cost to insure your first choice car, you may have to reconsider.

Drive safely
OK, this one is obvious but true. Driver’s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is an influential factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying a lot of extra insurance premium over the years.

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